Solaris bank competitors: a money app under your brand
For a brand weighing Solaris bank competitors, Unigox builds the app itself: customers hold USDT or USDC and buy or sell it by bank transfer or mobile money. Keep Solaris for EU accounts, cards and loans.
When to stay with Solaris
Your customers need EU bank accounts
Solaris is a German bank. It opens checking, savings and sub-accounts for your customers, with local IBANs in Germany, France or Italy or virtual IBANs elsewhere. Deposits are protected up to €100,000 under German deposit protection law.
You want cards and lending in the app
Solaris issues Visa and Mastercard debit, credit and prepaid cards under your brand, and adds overdrafts, consumer loans and Splitpay instalments of 3 to 36 months.
Your team wants to build the app itself
Solaris runs the regulated back end and card processing while your platform designs the app. Its REST APIs come with a sandbox, and its KYC checks can be bought on their own.
Solaris and Unigox for a branded money app
| Topic | Solaris | Unigox |
|---|---|---|
| What you get | Banking building blocks from a German bank: accounts, KYC and KYB, cards, SEPA payments and lending, all white-labelled for your brand. | A finished mobile money app under your brand: a stablecoin wallet, local payments and customer identity checks. |
| Who builds the app | Your team, on Solaris's REST APIs. Solaris keeps the ledger and card processing; your platform sets the design and the app interface. | Unigox builds it and prepares the App Store and Google Play submissions under your developer account. You bring the brand and agree the launch markets with Unigox. |
| What customers hold | Euro accounts of five types (checking, savings, wallets, multi-accounts, sub-accounts), with local IBANs in Germany, France or Italy, or virtual IBANs. | USDT or USDC in a Unigox Wallet. EUR and GBP accounts in your customers' own names can be added on request once your company passes KYB. |
| Money in and out | SEPA Credit Transfer, SEPA Direct Debit, SEPA Instant, scheduled and batch payments in euro. | Customers buy and sell USDT or USDC by bank transfer or mobile money. Each trade is filled by an individual P2P merchant or a payment business, and the crypto stays in escrow until the payment is confirmed. Launch markets are confirmed during planning. |
| Time to launch | Payment accounts in weeks and a digital banking product within months. | Under one month for the agreed scope; store review can move the date. |
| Pricing | Not published. Its pages lead to a sales call. | From $25,000 setup, a $7,500 monthly minimum and a 20% revenue share, for a first term of 12 months, then month to month. |
| Regulation | A full German banking licence (CRR) granted by BaFin, with ECB oversight, used across the EU and EEA. | Unigox works through two companies: UNIGOX NETWORK CORP. in Canada handles the local-money side and is registered with FINTRAC as a money services business and with the Bank of Canada as a payment service provider; UNIGOX NETWORK CORP. in Panama handles the crypto side, including wallets and escrow. |
UnigoxMove from Solaris to Unigox in three steps
Agree the scope on a call
Tell us your audience, the countries you want to launch in and the services you need first. We confirm the markets, the account services and the price.
Verify your company
Send your KYB documents: registration, ownership, source of funds and intended use. Your Solaris onboarding does not carry over.
Hand over your brand
Share your brand materials and store developer account. Unigox builds the app and reviews it with you before launch. Each customer then signs up with email and passes the identity check in the new app. Their Solaris accounts, IBANs, cards and loans stay with Solaris, and any EUR or GBP accounts through Unigox come with new account details.
Questions on Solaris and its competitors
Can a Solaris bank competitor build the app for us?
Unigox can, if the app runs on USDT and USDC. NeoBank-as-a-Service supplies the app, the wallet, local payments and customer checks under your brand, and Unigox prepares the App Store and Google Play submissions under your developer account. With Solaris, your team builds the front end on its REST APIs.
Is Unigox a Solarisbank alternative for EUR and GBP accounts?
In part. After its own KYB, a company can request EUR and GBP accounts in its customers' names, and each holder passes their own check. Solaris offers more: savings and sub-accounts, local IBANs in Germany, France or Italy, and deposit protection up to €100,000. We also compare Unigox with Railsr, another banking-as-a-service platform.
Read the Railsr comparisonWhat do Solarisbank competitors charge?
Solaris publishes no price list; its pages lead to a sales call. Unigox NeoBank-as-a-Service starts at $25,000 setup, a $7,500 monthly minimum and a 20% revenue share, with a 12-month first term, then month to month.
We already run an app on Solaris. Can we use Unigox without building a new app?
Yes. The Unigox Payments API adds local withdrawals and top-ups by bank account or mobile money to the app you already have. Your business funds payouts and receives collections in USDT or USDC, and your euro accounts and cards stay with Solaris.
See the Payments APIPlan your branded money app
Tell us who your customers are, where they live and which Solaris services they use today. We confirm what the app can offer them, the launch plan and the price before you commit.
Solaris and other names and logos are trademarks of their respective owners. Unigox is not affiliated with, endorsed or sponsored by them. Information about other companies comes from public sources, mainly the companies' own websites, and each company can change its products and fees at any time.